ah, you have come into the game late. i haven't graduated, but taken a semester off which has now become a year since my dad's accident. i still plan to study--although abroad and never again at amherst, which i hate with the fiery heat of a lot of suns etc--next spring.

the monthly payment is actually not a lot since my parents have the vast majority of the debt. it's just that i've been moping around and being neurotic instead of getting a job.